Funny, your thoughts on this is both surprising and non-surprising at the same time, coming from you and your prevoius faux-hating on the game. I figured having an idea of your tastes that you'd like this game if you gave it a chance tho. Yeah, this game's presentation is among the most stylish in video games periods, genre regardless. Everything you said here is about spot on as well.
I do always wonder why the high school setting throws some folks off of the series tho. Looking back on it, I'd think most people have/would enjoy that point in their live, aside from some that had it very rough during that time. I also say that stand-point of being auto-dismissive of the high school POV being a bit jarring, considering that there's still plenty of games that have characters much younger than that or just much more kiddy-ish in themes, characters, story/etc. that these same would-be "haters" just eat up regardless.
That said, I do think and hope the next Persona tries something a little different, such as a college setting for their school stand-point, as I feel they could tell similar stories as the high school setting, but with much more room for extra things considering that time and environment. Plus, despite the fact that the games are very fleshed out and tell mature, intricate stories and character development, the past three games still have a very identical set up and types of characters/scenarios, so a college setting could change that up a bit, before it gets too stale.
Loving the game nonethless tho. I'm on the 4th Palace at 95 hours in (I have some hours of idle time here and there tho, but definitely taking my time).